Beretta Only

Friday, October 12, 2018

What You Need to Know If You Are New to Investment Property Financing

If you think that obtaining investment property financing will be as easy as getting your home mortgage, think again. Prepare for funding your first investment property with these tips.
The default rates for borrowers on investment property loans is higher than home mortgages. Because of this, lenders require higher down payments and rely on strict underwriting for Arizona Investment property financing. This means that, if you’re purchasing an investment property, be prepared to put down at least 20 percent of the purchase price. There are, however, exceptions and percentage rates are often based on the type of property. For instance, anywhere from 25 to 40 percent may be required for multi-unit properties.
The advantage of a commercial loan is that the borrower is not required to carry mortgage insurance. Conventional loan programs allow 80% LTV and, for investment properties, this is a best-case scenario. You will also want to explore crowdfunding websites for real estate. While these tend to be more expensive, they are often more flexible than conventional loans. Before entering into an investment property, you should have at least three months payments as reserves.
Both interest rates and upfront lender fees are higher than conventional mortgage lenders. Lenders advertise that their rates will be 0.25% to 0.5% higher than their homeowner loans. You should expect 1 to 3% points higher than owner occupied loan rates. If the lender charges 4% interest for their homeowner loans, you can guestimate an interest rate of 5%-7% for investor loans.
In addition to the interest rates, you will be charged up front points for a mortgage loan. One-point equals one percent of the total amount of the loan. You can see how these fees add up quickly. Make sure you have reviewed your credit report and credit score. If your credit score is below 740, you will have higher interest rates, higher lender fees, and lower LTVs for your investment property. If you have a mid-level score, then a conventional loan may not be an option. However, the collectable (property) is reviewed more than you as a borrower. As we mentioned earlier, homeowners are far less likely to default than investors. Lenders have built in loan programs with lower LTVs as caution to default.
The Effects of Multiple Mortgages on Investment Property Financing
If you are carrying multiple mortgages on your credit report, your options are dwindling. Once you hit the threshold of four mortgages on your credit report, you may be untouchable by conventional lenders. Fannie May has established a program to help investors that allows 5 to 10 mortgages. Fannie May’s program requires 6 months payments in liquid reserves at the time of settlement. The program requires 30% down for 2 to 4 units and 25% down for single family homes. You are persona non-grata if there are any foreclosures or bankruptcies or late mortgage payments. You will need a credit score no less than 720+ if you have 6 or more mortgages.
If you have 10 or more properties, you have slim options. A good starting place is community banks. Blanket loans issued by commercial lenders are secured against multiple properties. Be sure to ask what happens if you want to sell a property in the package.
Hard money lenders are an option that many investors turn to.

Level 4 Funding solves Arizona investment property financing issues while offering the lowest possible rate term. Real estate investing has made millions of individuals millionaires. Don’t hesitate because you are unsure of your investment worthiness. Call us today for a no-obligation quote.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Do You Wish You Could Retire Early? Arizona Real Estate Lines of Credit Can Help!

Arizona Real Estate Lines of Credit or investment property lines of credit can be the perfect financing option for you and your financial needs. Learn how these lines of credit can expand your horizons and change your life for better.
Are you stuck in a job that you hate? Have you missed holidays, family vacations, important events in your life, or another significant time just because you had to work? Don’t be chained to your job forever and start making money today through real estate investing. By building up Arizona real estate lines of credit, you will be well on your way to achieving that goal of an early retirement so that you can get back to doing the activities that you enjoy and spending more time with the people you love.
What is this type of credit? Well, when an investor is beginning to purchase different properties, they will begin to build up a portfolio of all of these items. In most cases, lenders will allow a single line of credit per the property that is invested in. So, building up this line of credit simply mean investing in multiple real estate ventures!
You CAN make real money investing in real estate. These Arizona lines of credit will give you the opportunity to do a variety of things in the real estate world from purchasing homes to flipping houses. You’ll have the freedom to purchase items wholesale or hold a property for a period of time.
Get started with commercial real estate loans or, if you suffer from a poor credit score, choose a different lending opportunity. That’s right – even if you have a low credit score, you still can make money investing in real estate. Whether it’s through a hard money lender or a different private lending opportunity, there are plenty of ways a person with a low credit score can obtain a loan even with absolutely no collateral held against them. Stop making excuses for yourself. The time to start investing in real estate is right now.
How Will You Enjoy an Early Retirement?
We spend most of our lives at our place of business rather than spending valuable time with the people that we love and cherish most. Don’t be part of this routine and demand something better for yourself. Through real estate investing, you can have the opportunity to achieve your financial goals and retire much earlier so that you can get back to living the best life possible.
Establish a strong financial future today so that you can have the freedom to do the activities you enjoy and reach the opportunity to retire as early as possible.

Are you making excuses for yourself? Hopefully this guide shows you that there are absolutely no excuses for not investing in real estate right now. Bad credit? No problem! No collateral? No problem! There are plenty of lending opportunities available so that you can start building up these lines of credit today and be well on your way to an early retirement.

How to Make the Most Out of Arizona rental property loans

If you have obtained a loan for a rental property, it is time to decide how you are going to make the most capital out of your investment. Drive the value of your investment up by strategically making the most out of your Arizona rental property loans.
If you are new to the world of investing in property or are considering investing in rental property, it does not have to be an overwhelming process! Getting a rental property loan or finding a loan for a second home definitely does not have to be an intimidating time. This helpful cheat sheet can guide you through the process and introduce you to some key ideas on how you can make the most out of your Arizona rental property loans and start making money for your business or company today.
First of all, if you are interested in investing in rental property, you are going to have to meet certain requirements in order to qualify for a loan at the bank.
Typically a 20% down payment on the property This is because is most cases insurance may not be available for rental properties.
2 years or more of experiences with previous property management
Do these qualifications seem a bit intimidating! Don’t worry. For individuals that fail to meet these requirements, there are still other opportunities to find the right loan. These are other avenues to consider. This means that regardless of your experience or financial status you can start investing in real estate today with the help of:
A business partner. hard money lenders, private money lenders
Don’t let inexperience prevent you from investing in property. Even the most experienced investors had to start somewhere! Investing in rental property can grow your own personal assets or even grow the assets of your business or company. With the help of investing, you can grow you capital overtime and even potentially retire early!
How Do I Know if a Rental Property Loan is Right for Me?
The time is now to start investing in the real estate market. It does not have to be a challenging process! Finding the right lending opportunities or rental properties to pursue is as easy as picking up the phone or sending an email. Build your network of individuals within your community and you will promptly find lending opportunities near you.
With any business venture or lending opportunity, it is important to survey your options and make an educated decision on any loan you choose to pursue.

Regardless of your inexperience, you can start investing in real estate today. Achieve your dreams of retiring early and grow your assets by investing in rental properties. The right lending opportunity for you and your needs will be dependent on your level of experience and financial restrictions such as your credit score. Even with a lower credit score, you may still be eligible for a loan through a variety of different lending opportunities.

Triple Your Property Value With Arizona Investment Property Financing

Investing in the right loaning opportunities when it comes to property can dramatically grow the value of your property. Learn how to exponentially create your earnings by choosing the correct lending opportunities to grow your assets and secure a bright financial future for your business or company.
If you are trying to increase the value of your business or company and grow your assets, Arizona Investment Property Financing may be the perfect solution for you and your company. Investing in your business or company through the acquisition of loans can give your business the added capital or funds needed in order to go after new business ventures. In fact, Arizona Investment Property Financing can even added to your property value substantially.
What could you do with an investment property loan? If you are attempting to invest in real estate, this could be an excellent step in the right direction. These helpful tips can be a good way to get started and begin to triple the value of your assets or properties.
1. Make a down payment that is as large as you can afford. Qualifying for the best interest rates is only possible when you are able to put a substantial down payment on your potential investment properties. If you don't currently have the funds to make a large down payment, you may want to wait to invest or opt to acquire a second mortgage. Speaking to an experience broker may help you find the best choice for your particular financial situation and budget.
2. Big banks may not be the right way to go. Choosing local businesses or a local lending opportunity may be a better choice than choosing a larger bank. Typically, a smaller bank will have more financing options and more flexibility in their requirements for financing. This means that when investing it may be best to stick to local lenders rather than seeking the help of larger banks or lenders.
3. Think outside of the box. Don't be afraid to get creative. You may opt to borrow from a person rather than an organization such as a bank. Private lenders can be a good way to find a particular lending agreement that suits your budgets and your needs. Similarly to local banks or smaller banks, a private lender may have more flexibility and able to work with you to accommodate a specific budget or financial limitations.
How Do I Know Which Properties to Invest In?
Arizona Investment Property Financing may seem like an intimidating process for beginner investors or new entrepreneurs. However, with careful planning and strategy, investing in property can be a successful tool for growing your assets and developing your business or company.
Finding the best investment opportunities is a gradual process but with time can be the perfect tool for you to achieve your business dreams and goals.

Whether you are new to the real estate world or are a more experienced investor, hopefully this guide gave you some insight on the world of investing and finding the best opportunities for you and your needs.

How to Find Arizona investment property loans Even With Rotten Credit

Are you looking to invest in property but do not have high enough of a credit score to do so? Don’t let poor credit prevent you from following your dreams and learn how to find the perfect lending opportunities for your business or company.
A bad credit score or poor credit rating does not have to completely define you or your Arizona Business Loans. Investing in real estate is a real possibility even for individuals that are suffering for a low credit rating. Don’t sit around waiting for your score to rise before jumping on your business goals. Build you credit score up and achieve your financial goals by finding Arizona investment property loans that are available even for individuals with low credit ratings.
Arizona hard money loans – A hard money lender is a valid option for many individuals seeking a lending opportunity and that also have a poor credit rating. Since Arizona hard money lenders are private lenders, they do not work with banks. This means that you can develop a personal relationship with a lender rather than having your credit score speak for you.
Private Money Lenders – There are a variety of businesses eager to invest in the goals of smaller companies or businesses! Networking with business leaders in your area could help you find private money lending opportunities in your area. These opportunities could work with you without having to worry about your lower credit rating get in the way.
Business Partners – If you can’t acquire a loan on your own, finding a business partner may be a helpful solution. A business partner can help you find opportunities, such as Arizona investment property loans, and assist you with the funds or credit rating needed to go after your goals.
Remember that you CAN achieve your business dreams regardless of a lower credit rating! Don’t let a poor credit score get between you and your business goals. Go after you dreams by making smart business decisions and define a brighter future for yourself. Stamina and persistence is key to finding a successful lending opportunity even when you currently have a lower credit score.
Find Loan Opportunities Near You Even with a Poor Credit Rating
Even if you have a lower credit rating, you can still go after your business goals. There is no reason you cannot start pursuing your business dreams today even if you currently have a lower credit rating. There are plenty of lending opportunities available for individuals with a lower credit rating available. The trick is finding these opportunities and using them to achieve your goals!
A poor credit score should never mean giving up on your financial dreams or goals since there are a variety of different lending opportunities available for individuals of a variety of different financial levels.

Regardless of your financial situation, it is still possible to pursue your financial dreams and seek profitable investment opportunities. Have confidence and know that with the proper dedication you can find lending opportunities even with a lower credit score.

Thursday, October 11, 2018

Can Your Dreams Come True with Arizona Business Loans?

A business loan can lead to huge opportunities for you and your business. Increase capital, widen your inventory or even expand to a new location with the help of a wisely spent Arizona business loan.

If you are hoping to grow your business, a business loan may be the perfect solution. Investing in property, marketing, new equipment, or an expanded inventory can all be possible with the help of a loan. Many business owners are seeing the benefit of investing in Arizona Business Loans at their own companies. When managed the right way and spent correctly, a business loan can be an ideal catalyst for growth at any business or company.

Achieve your dreams and grow your business with a loan:

· Expand – Future growth of a business has many associated costs with it. Business owners can use Arizona Business Loans to invest in items such as a new location or renovation. A loan can even be used to hire more staff to help your company or business grown. Take the stress out of spending your operational funds on expansion and instead direct your loan solely towards growth and wowing your customers with exciting new changes.

· Grow your inventory – Increasing inventory can lead to a huge rise in capital and other financial earnings. However, growing your business and replenishing a larger inventory can mean huge expenses. A business loan can give business owners the financial freedom they need to cover the expenses of a larger inventory and lead to exciting opportunities.

· Purchase innovative equipment – If your business or company is hoping to continue to impress customers and be able to develop a best-selling product, you’ll need equipment that will keep up with demand. Arizona Business Loans can help you fund machinery and even cover the cost of unexpected fees like repairs or unplanned replacements.

With the help of a business loan, your business or company can grow to new heights and reach unprecedented profit margins. If you currently struggle with low credit, a business loan can even give you the opportunity to raise your credit score! With a loan, your opportunities are endless.

Will a Business Loan Really Benefit My Company?

Owning a business is an expensive process, but the help of a business loan can make it possible! Gain the financial freedom your business needs to grow and succeed with a loan. You can even smart small before committing to a large loan. Taking on a smaller loan and seeing how it can benefit might give you the confidence needed to choose a larger loan.

With any investment, it is important to weigh the pros and cons in order to make sure it is the best solution for you and your business.

Taking on debt is not a solution unless it is absolutely necessary, but a business loan can be useful tool to grow your business or company. A loan can give business owners the opportunity to make huge changes that may lead to huge earnings and profit.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

Beretta Only

Friday, October 12, 2018

What You Need to Know If You Are New to Investment Property Financing

If you think that obtaining investment property financing will be as easy as getting your home mortgage, think again. Prepare for funding your first investment property with these tips.

The Effects of Multiple Mortgages on Investment Property Financing

Hard money lenders are an option that many investors turn to.

Do You Wish You Could Retire Early? Arizona Real Estate Lines of Credit Can Help!

How Will You Enjoy an Early Retirement?

Establish a strong financial future today so that you can have the freedom to do the activities you enjoy and reach the opportunity to retire as early as possible.

How to Make the Most Out of Arizona rental property loans

How Do I Know if a Rental Property Loan is Right for Me?

With any business venture or lending opportunity, it is important to survey your options and make an educated decision on any loan you choose to pursue.

Triple Your Property Value With Arizona Investment Property Financing

How Do I Know Which Properties to Invest In?

Finding the best investment opportunities is a gradual process but with time can be the perfect tool for you to achieve your business dreams and goals.

How to Find Arizona investment property loans Even With Rotten Credit

Find Loan Opportunities Near You Even with a Poor Credit Rating

A poor credit score should never mean giving up on your financial dreams or goals since there are a variety of different lending opportunities available for individuals of a variety of different financial levels.

Thursday, October 11, 2018

Can Your Dreams Come True with Arizona Business Loans?

Will a Business Loan Really Benefit My Company?

With any investment, it is important to weigh the pros and cons in order to make sure it is the best solution for you and your business.

About Me

Total Pageviews

Blog Archive